okay, i found out that you dont need to have an account to be able to get a secured card with B of A. They can just debit the money from the account you currently have....not bad!!! still looking into the Wells Fargo and Citibank secured cards....leaning more toward citibank..simply because they underwrite so many other cards....might be good to be in their loop
Starting Score: 612 EQ 6-1-2013 
Yes, i did read the threads of the Wells fargo secured card, and i am impressed with them....its posiible in a few months i will secure one with them also, but IMO i think it would be better to go with Citibank, just simply because they have sooo many other cards, and too, i like the aspect of having a CD tied up...once i get that money back i can secure another CD for a larger amount...just not for a secured card
Can you open the Citi Secured Card online or do you need to go into a nearby branch?
Im assuming that you will need to go into an office to do it, we have an office close to where i live so its not a problem.....i dont plan on using the card that much, and i will set it up on auto payments so that i dont ever miss one...actually i think i will make my auto payment with the card, and make payments on it every two weeks...that way it will always have actuivity on it, and make sure to keep it under 9% utl...should help drive up my score as long as i pay it before the bill cuts
Sounds like a good plan.
I can say, I had the Bank of America fully secured card about 9 years ago. I put down 500 dollars. After 12 months it graduated and I immidiately called them and they gladly converted it to a Alaska Airlines Visa Signature card with a $5K limit. I know a lot has changed in this market over the last few years, but in my experence it was a good product.
ive heard that also!!!! I hope that i will be one of those success stories!!!! but even if that is not the case, I do know that it will graduate next january....and I would venture to say that the initial 1500.00 im going to put on the card will be matched....and raised to over 5K......( hey i can hope right? lol) but of course, we will see, and even if it is not, 1500.00 line is a nice line to start with unsecured...